Retirement Starts Today
Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter
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Spend More Money! Ep #348
05/13/2024
Spend More Money! Ep #348
There are two ways you can ruin your retirement: running out of money and dying with regret. If you are listening to this podcast, chances are, you’ve been a diligent saver and probably aren’t in danger of the first one. That’s why, today, we’re exploring on ways to spend more money. Don’t risk ending your days with regret. Listen in to find out how you can enjoy all that you have worked for. Outline of This Episode [1:22] Two ways to ruin retirement [5:13] Strategies for spending more money [12:47] How to spend your HSA Resources & People Mentioned BOOK - by Bill Perkins Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Medicare Mistakes, Ep #347
05/06/2024
Medicare Mistakes, Ep #347
It can be easy to forget your age as the birthdays roll around. However, when you’re about to turn 65 you’ll know. Medicare and all of their relevant service providers won’t let you forget. You may feel inundated with the amount of mail, emails, and even phone calls and text messages, but rather than ignoring all the excess information, it’s important to dig in and learn so tha you can make the best decision for your healthcare. To help you avoid potentially expensive and health-altering mistakes, today we’ll review 5 of the biggest Medicare mistakes you can make by reviewing from The Sensible Financial Planning blog. Outline of This Episode [1:36] The 5 biggest Medicare mistakes [14:05] A rule of 55 question Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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The Four Unique Risks in Decumulation, Ep #346
04/29/2024
The Four Unique Risks in Decumulation, Ep #346
You’ve been accumulating your savings your entire life, but when the time comes to draw down your investments, there are new risks. In this episode, we’ll discuss four risks that come with the decumulation phase of retirement. Press play to learn how to avoid these risks in retirement. Are you looking for a new advisor? One of our listeners is looking for a checklist to help him hire a retirement advisor. While answering that question I went ahead and made my advisor checklist available to all of you to . Outline of This Episode [1:47] Understand effective strategies for the decumulation phase [11:20] Do I have a checklist to use to hire a retirement advisor? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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More Muscles = Better Retirement, Ep #345
04/22/2024
More Muscles = Better Retirement, Ep #345
A lot of us are looking to get in shape in retirement. This is a good thing since part of living an even better retirement is looking after your health and muscle mass. Staying healthier and more active longer will ensure that you are making the most out of your retirement. In addition, maintaining a healthy muscle mass is a huge part of keeping your health as you age. In this episode, we’ll explore a on keeping your muscles strong as you age. Make sure to listen in to discover some tools that I use to track my health and wellness as I enter the second half of my life. Outline of This Episode [1:12] Keeping up your muscles [5:23] What I’m doing to stay healthy [10:01] How can two opposite approaches achieve the same goal? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Index Funds Have Officially Won, Ep #344
04/15/2024
Index Funds Have Officially Won, Ep #344
Do you have index funds in your portfolio? Chances are you do! Our retirement headline today describes the rise of index funds over active funds and why that’s important. Discover how index funds connect with my investment philosophy by pressing play now. Outline of This Episode [1:22] Index funds have grown exponentially over the years [2:23] What are index funds [5:58] How index funds fit into my investment philosophy [10:04] Will my estimated Social Security benefit decrease if I retire before full retirement age? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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The 529 to Roth IRA Rollover, Ep # 343
04/08/2024
The 529 to Roth IRA Rollover, Ep # 343
Recent legislation has made everyone’s favorite college savings plan a little more flexible. Funds in a 529 plan aren’t as locked up as they used to be now that your children’s unused college funds can be rolled into a retirement account. In this episode, we’ll discuss which explores how the 529 can be rolled into a retirement account. We’ll discover the benefits and drawbacks of using a 529 to save for retirement. Listen in to hear whether the 529 rollover could help you in your retirement. Outline of This Episode [2:12] Using unused 529 funds [9:30] Utilizing spend-down strategies Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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The 4 Phases of Retirement, Ep #342
04/01/2024
The 4 Phases of Retirement, Ep #342
It may be easy to define success in your working career, but defining success in retirement can be more difficult. What does success look like in retirement? What will you do daily or weekly to get the most out of your retirement? In this episode of Retirement Starts Today, we’ll explore a about the 4 phases of retirement that many (but not all) experience. Click play to hear how you can squeeze the most juice out of your retirement. Outline of This Episode [1:52] How to squeeze the most juice out of retirement [11:18] Help with spending more in retirement Resources & People Mentioned by Fritz Gilbert Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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A Short History of the 60/40 Portfolio, Ep #341
03/25/2024
A Short History of the 60/40 Portfolio, Ep #341
Due to last year's poor market returns, you’ve probably seen the headlines that the 60/40 portfolio is dead. But is that really the case? This week’s retirement headline explores the history of this classic retirement investment strategy. After we tackle the headlines, Bret and I team up to consider the best places to move in retirement. Listen in to hear where not to move. Outline of This Episode [1:52] A history of the 60/40 portfolio [8:09] Why I like 60/40 [15:10] Where should retirees consider moving to for a great retirement? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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8 Ways to Become Poor in Retirement, Ep #340
03/18/2024
8 Ways to Become Poor in Retirement, Ep #340
There are many ways that could threaten your financial security in retirement. Knowing the common issues can ensure that you don’t fall into the traps. Today’s financial headline comes from Yahoo Finance and is called . Listen in to learn what they are so that you don’t drive yourself into the poorhouse. Outline of This Episode [1:22] 8 ways to become poor in retirement [10:58] How can we determine the biases in an advisor Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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More Than Half of Americans Want to Retire Gradually, Ep #339
03/11/2024
More Than Half of Americans Want to Retire Gradually, Ep #339
We all want to retire, but have you considered how you would like to transition to retirement? This week’s retirement headline article shares some interesting statistics on phased retirements: who is thinking about them, who is utilizing them, and what people think about them. Listen in to learn the findings. Then stick around for our listener question surrounding stock positions, diversification, and taxes. Outline of This Episode [1:42] Exploring the idea of a phased retirement [7:12] Can a phased retirement allow you to have your cake and eat it too? [11:38] A book update [13:10] Weighing risk vs tax consequences Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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The Retirement Crisis That Wasn’t, Ep #338
03/04/2024
The Retirement Crisis That Wasn’t, Ep #338
Once upon a time, there was a prediction that the baby boomer generation would face a retirement crisis. So how did this gloom and doom projection turn into the wealthiest generation in history? Listen in to find out. Make sure to stay tuned for the listener question: What is the best way to fund a large expense without a large tax bill? Outline of This Episode [1:37] The accuracy of predictions [7:26] What is the best way to fund a large expense without a large tax bill Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Using Guardrails For The 4% Rule, Ep #337
02/26/2024
Using Guardrails For The 4% Rule, Ep #337
You’ve heard of the 4% rule, and if you’ve listened to this podcast before, you’ve heard of Guyton’s guardrails strategy. But have you ever heard of using them together? Today’s retirement headline explores this idea. Overall, the article highlights the importance of considering sequence-of-returns risk in retirement planning and adopting flexible strategies, such as guardrails, to ensure financial security throughout retirement. Listen in to learn more about this combination of strategies as well as my opinion on the matter. Then stick around for the listener question segment where Bret and I answer the question: Do I need a will if I want to split my assets evenly between my two children? Outline of This Episode [1:42] Sequence of returns risk is the greatest risk to your retirement [6:48] How you can take the best of both strategies [14:20] Should I have a will to split my assets evenly between my kids? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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The Challenges of Retiring from a High-Powered Job, Ep #336
02/19/2024
The Challenges of Retiring from a High-Powered Job, Ep #336
Is it possible to suddenly step away from a high-powered job and into a life of leisure? This may not be the best idea for your retirement if you work at the executive level. In this episode of Retirement Starts Today, we’ll explore an article from that outlines several pitfalls that could come with retiring from a high-powered job and insights on how to navigate them. Stick around for the listener question segment to hear the best ways to give money to your adult children while you are still living rather than waiting until you pass away to leave an inheritance. Outline of This Episode [1:42] Advice for a CEO about to retire [3:36] Areas to think about when making the retirement transition [12:54] Advice on giving money to adult children while you’re still living Resources & People Mentioned Episode 295 - Episode 296 - Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,, ,,, or
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5 Expenses Retirees Wish They Spent More Money On, Ep # 335
02/12/2024
5 Expenses Retirees Wish They Spent More Money On, Ep # 335
There are two ways to mess up retirement: run out of money or die with regret. Oftentimes, people in the retirement space only focus on the running out of money part. In an effort to help you live an even better retirement, today’s retirement headline discusses the regret part. Join me to learn five expenses that retirees wish they had spent more money on so that you can learn from their mistakes. Stick around to hear the answer to our listener question: Is there one person who can help develop a comprehensive retirement plan? Or do you need to have an investment advisor, a financial advisor, a tax advisor, and an estate planning attorney? Find out the answer by pressing play. Outline of This Episode [1:42] The 2 ways to mess up retirement [8:12] Investing in your home [10:00] Helping your children [14:38] Is there one person that can do all my retirement planning? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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2 Social Security Mulligans, Ep # 334
02/05/2024
2 Social Security Mulligans, Ep # 334
If you want to spend more money in retirement you’ll want to understand how to maximize your Social Security benefits. Many people think that there is no going back once you’ve decided to collect your Social Security benefits. However, today’s retirement headline discusses two options in case you’d like a do-over. In our listener question segment, one listener asks the best way to pass on their assets to their children. Listen in to hear the answer and scroll to the bottom of the show notes to discover more estate planning resources. Outline of This Episode [2:02] What happens if you change your mind about collecting Social Security? [7:01] When exactly should you start Social Security? [10:50] The best way to pass assets onto your kids Resources & People Mentioned Estate planning episodes , , , , Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Save Money with These Tax Tips, Ep #333
01/29/2024
Save Money with These Tax Tips, Ep #333
Tax season is here so when I found from Morning Star to share some tax tips for you. Your tax bill will be the largest bill you pay in retirement. If you want to reduce it, make sure to press play. Helping clients save money on taxes and avoid common investment mistakes is an important task for financial planners. If you don’t have a financial planner, that means you are your own financial planner, so you’ll want to take good notes. Outline of This Episode [1:22] Maximizing tax savings [3:30] How to utilize deductions [7:45] How to utilize investment strategies [11:11] How to utilize Roth conversions [13:32] How to know how much to safely spend and how to know if I’m spending too much? Resources & People Mentioned Episode 331 - Episode 332 - - the least boring tax podcast! Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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A Tax Break Worth the Hassle, Ep # 332
01/22/2024
A Tax Break Worth the Hassle, Ep # 332
Some tax breaks aren’t worth the hassle of pursuing them, however, today’s example is definitely worth the hassle! If you are charitably minded you’ll want to listen to learn about the advantages of making qualified charitable distributions. Discover how to increase your standard deduction while enjoying charitable tax benefits. Stick around for the listener question to hear a great way to start practicing spending your money when you have been over-flexing your savings muscle. Outline of This Episode [2:22] The power of qualified charitable distributions [5:56] How IRMAA thresholds work [7:27] Three key takeaways [12:41] How to convince your spouse that you have enough money to retire Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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We Need to Talk About Your Retirement Spending, Ep #331
01/15/2024
We Need to Talk About Your Retirement Spending, Ep #331
Planning retirement spending is tough to do since there are so many unknowns. Many people tend to take a fear-based approach and rely on the 4% rule. Some even take a step further and spend less of their nest egg. Today’s Retirement Headline urges you to take a different approach. Listen in to hear what the article advises and my thoughts on the matter. Then stick around for the listener question to learn how our national macroeconomic situation affects financial planning. Outline of This Episode [1:22] Rethink underspending in retirement [5:01] My thoughts on the article [10:12] How does our national macroeconomic situation affect financial planning? Resources & People Mentioned BOOK - by Dave Ramsey BOOK - by Bill Perkins Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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I Don’t Want To Be Old When I Am Old, Ep # 330
01/08/2024
I Don’t Want To Be Old When I Am Old, Ep # 330
I don’t know about you, but I want to stay active and healthy for as long as possible. That’s why when I saw this I knew I wanted to share it with you. If you want to learn how to age gracefully and maintain your vitality, you won’t miss this episode. Then, stick around to hear my answer to the question: why do some people have a hard time with retirement? Outline of This Episode [1:24] How to age gracefully and maintain vitality [4:20] Embrace interdependence [9:55] Why do some people have a hard time with retirement? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Lessons Learned from Fall Tax Meetings, Ep #329
01/01/2024
Lessons Learned from Fall Tax Meetings, Ep #329
As you probably know by now, Bret and I are here to help you spend more money and spend less in taxes so that you can live an even better life in retirement. This week we’re helping you do that by sharing some lessons that we learned from our clients’ fall tax meetings. If you enjoyed our last spring, you’ll love hearing what we learned from our clients this fall. Press play to hear what you can learn from our experience with our clients. Outline of This Episode [1:42] Why we love Roth conversions [10:40] Don’t forget to plan for taxes as a widow/er Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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How to Pay 0% on Capital Gains [Rebroadcast]
12/25/2023
How to Pay 0% on Capital Gains [Rebroadcast]
Would a 0% tax rate help you live an even better retirement? In this week’s Retirement Headline, we’ll explore a WSJ article titled . If that doesn’t pique your interest, I don’t know what will! Listen in to hear how you can learn to plan so that you can take advantage of a 0% tax rate on capital gains income. This episode originally aired in August 2023.
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3 Tricks to Help Retirees Spend More [Rebroadcast]
12/18/2023
3 Tricks to Help Retirees Spend More [Rebroadcast]
If you have diligently saved throughout your career, you may be ready to retire, yet still feel uncertain about spending your savings. To truly live your best life in retirement you need to learn how to shift from a saving mindset to a spending mindset. In this episode of Retirement Starts Today, we’ll help you do just that. This episode was first broadcast in July 2023.
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12 Reasons to Rent in Retirement [Rebroadcast]
12/11/2023
12 Reasons to Rent in Retirement [Rebroadcast]
One of the greatest financial assumptions is that it’s always better to own than to rent. However, in retirement, this may not be true. Once you are financially independent it is important to realize that not every dollar you spend needs to yield a return. Join me for this episode of Retirement Starts Today to question traditional thinking and to see how you can improve your life, spend more money, and have more fun in retirement. This episode was first broadcast in June 2023.
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A Few Simple Tricks Turn Humble HSAs Into Wealth Builders [Rebroadcast]
12/04/2023
A Few Simple Tricks Turn Humble HSAs Into Wealth Builders [Rebroadcast]
Do you have an HSA? If so, do you simply use it to pay for your medical expenses? Or do you use it as a way to build your wealth? Today we’ll look at an article from Financial Advisor Magazine that will help us identify opportunities for wealth creation. Listen in to learn how to maximize the triple benefit of the humble HSA. This episode was first broadcast in March 2023.
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The Puzzling Gap Between How Old You Are and How Old You Think You Are [Rebroadcast]
11/27/2023
The Puzzling Gap Between How Old You Are and How Old You Think You Are [Rebroadcast]
We are spending some extra time off from the podcast over this holiday season to spend time with family. I hope you're using this opportunity to spend some time with family as well. I've gone through my favorite episodes of 2023 to bring you some fantastic rebroadcasts. So here's one and I hope you enjoy it! The Puzzling Gap Between How Old You Are and How Old You Think You Are, first broadcast in May 2023. Do you ever get together with your friends from high school and wonder why they all look so old? Are you surprised by the image that you see in the mirror each morning? If so, you’re not alone. In today’s retirement headline segment, we’ll explore an article from Jennifer Senior at that examines the abstract concept of feeling a different age in your head than you physically are in years. Related to the retirement headline, today’s listener question is about how to understand when you are mentally ready to retire. Learn how important purpose is in your decision to retire.
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Spend Your Principal! Ep #323
11/20/2023
Spend Your Principal! Ep #323
Most people are worried about spending too much and running out of money in retirement. However, few people worry about spending too little. In this week’s episode of Retirement Starts Today, you’ll learn why you should spend your principal in retirement. Our retirement headline comes from Dr. Jim Dahle at the and shows us why many people don’t spend enough of their money and how you can take a practical approach to spending more. If you are like most people, one of your main worries about retirement is that you’ll end up running out of money. While this is a well-founded fear for many underfunded Americans, chances are, if you are listening to this show, you aren’t an underfunded retiree. While the current state of retirement savings is quite shocking, if you have a healthy retirement portfolio, you don’t have to lump yourself in with the majority of Americans. Outline of This Episode [1:52] Many people have a fear of running out of money in retirement [3:40] The state of retirement savings [7:02] Why some people don’t spend their principal [13:19] What should you do with excess RMD dollars? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Boost Your Retirement Confidence by 17% with One Simple Trick, Ep #322
11/13/2023
Boost Your Retirement Confidence by 17% with One Simple Trick, Ep #322
Would you like to have more confidence in your retirement plan? In the retirement headlines segment, you’ll learn one simple way to increase your certainty about what you can accomplish in retirement. In the listener questions segment, Bret helps answer what the essential aspects of an estate plan include. If you are ready to get serious about retirement planning press play to get started. Outline of This Episode [2:26] A written retirement retirement plan boosts your confidence [4:11] 4 areas to consider in your plan [11:15] What do you need to create an estate plan? Resources & People Mentioned Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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5 Alternatives To The 4% Retirement Withdrawal Rule, Ep #321
11/06/2023
5 Alternatives To The 4% Retirement Withdrawal Rule, Ep #321
Do you wish you had more optionality when it comes to designing your retirement? In this episode of Retirement Starts Today, we’ll explore that poses five alternatives to the 4% rule that you may want to explore for your retirement withdrawal strategy. In our retirement headlines segment Bret and I team up to answer a question that both Google and ChatGPT got wrong. Find out what it is by listening until the end! Outline of This Episode [2:22] The types of spending strategies that can be used in retirement [13:30] Is creating a donor-advised fund a good way to avoid IRMAA? Resources & People Mentioned Want to help me with my book? to see if we would be a good fit Trusted sources for financial information - , , Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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I Saved Too Much for Retirement, Ep # 320
10/30/2023
I Saved Too Much for Retirement, Ep # 320
What happens if you get to retirement age and realize that you saved too much? Believe it or not, this does happen and has its own set of problems. In this episode, we’ll explore those problems along with some potential solutions. Stick around until the end of the episode to hear our listener question about deciding whether to do Roth conversions or take ACA health insurance premium tax credits. Outline of This Episode [2:32] Too much retirement savings does have its downsides [4:54] What you can do to combat [8:21] My thoughts on what you can do if you saved too much [11:27] Choosing between Roth conversions and ACA Resources & People Mentioned - have a chance to be in my book! to see if we would be a good fit for each other BOOK - by Bill Perkins Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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Bad Timing Cost Fund Investors 17% Ep #319
10/23/2023
Bad Timing Cost Fund Investors 17% Ep #319
Would you like to make $170,000? On this episode, you’ll learn what you can do to save yourself 17% in lower returns over a decade. On a million-dollar portfolio that comes to $170,000! In the Retirement Headline segment, we’ll dive into an article from which explores Morningstar’s annual Mind the Gap study analyzing the performance of mutual and ETFs and comparing them to the returns achieved by individual investors. Press play to hear what you can do to improve your investor performance. Outline of This Episode [3:12] Bad timing cost investors 17% in gains [14:45] When does a person need a financial advisor? Resources & People Mentioned Garrett Planning Network Flat Fee Advisor Network Connect with Benjamin Brandt Get the Retire-Ready Toolkit: Follow Ben on Twitter: Join the newsletter: Dive deeper into retirement planning with Ben at Subscribe to Retirement Starts Today on ,,,,,, or
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